Auto Loans
Go to work. Go shopping. Go get the kids. Go out of town. In our on-the-go world, you need a reliable ride.
You deserve to be a happy motorist, with low rates, speedy loan processing, and friendly service from us.
So you're left with more cash for gas, auto maintenance, and weekend road trips.
Longer term loans for new vehicles help keep monthly payments in check.
For added convenience, you can get Everwise financing directly at many local dealerships.
Looking for an Everwise auto or motorcycle loan? Apply online, visit a branch, or work with a dealer partner—no matter how you choose, you’ll be on the road fast.
- Financing for new and used cars, trucks, SUVs, and motorcycles
- Low, fixed rates
- Extended lending terms available for newer vehicles
- Finance purchases from a private party or a dealership
- Easy application process online, at an Everwise branch or by calling our Lending team at (855) 742-0004
- Financing available at most dealerships in Indiana and Michigan
Auto Refinance
Turn your current car payment into real savings. If you have an auto loan at another institution and want a better rate or term, refinancing may help.Why refinance with us.
- No origination fees or downpayment required.
- Simple, secure application process — apply online or in branch
- Refinance from $5,000 to $150,000 with terms ranging from 36 to 84 months based on model year.
Apply in minutes!
- Apply in minutes online or inside a branch.
- Upload your documents.
- Get a decision.
Auto Loan FAQs
Auto Purchase Loans
| Type | Rates as low as (APR*) | Term |
|---|---|---|
| New (2024 & Newer) | 7.39% APR | 60 mo |
| Used (2022-2023) | 7.79% APR | 60 mo |
| Used (2020 - 2021) | 7.99% APR | 60 mo |
| Used (2017-2019) | 8.19% APR | 60 mo |
| Used (2013-2016) | 8.59% APR | 36 mo |
New (2024 & Newer): 7.39% APR, 59 payments of $200.48 and a final payment of $199.93 with a total finance charge of $2,028.25.
Used (2022-2023): 7.79% APR, 59 payments of $202.42 and a final payment of $202.02 with a total finance charge of $2,144.80.
Used (2020 - 2021): 7.99% APR, 59 payments of $203.40 and a final payment of $202.69 with a total finance charge of $2,203.29.
Used (2017-2019): 8.19% APR 59 payments of $204.37 and a final payment of $204.30 with a total finance charge of $2,262.13.
Used (2013-2016): 8.59% APR 35 payments of $317.23 and a final payment of $316.90 with a total finance charge of $1,419.95.
Auto Refinance Loans
| Type | Rates as low as (APR*) | Term | Payment sample for $10,000 loan |
|---|---|---|---|
| Auto (2024 & Newer) | 5.89% APR | 60 mo | $193.25 |
| Auto (2021-2023) | 6.29% APR | 60 mo | $195.15 |
| Auto (2017-2020) | 6.69% APR | 60 mo | $197.06 |
| Auto (2013-2016) | 7.09% APR | 36 mo | $310.02 |
*APR = Annual Percentage Rate. All loans are subject to credit approval and membership eligibility requirements. Borrower must be a resident of Indiana or Michigan. All credit union programs, rates, terms and conditions may change without notice. Actual APR will vary based on borrower’s credit worthiness and underwriting factors. Auto loan refinance not intended for purchase transactions, only refinancing of auto loans. Everwise will not refinance Everwise auto loans under this special promotion. APR is lowest rate offered as of 10/1/25..
*APR = Annual Percentage Rate. All loans are subject to credit approval and membership eligibility requirements. Borrower must be a resident of Indiana or Michigan. All credit union programs, rates, terms and conditions may change without notice. Actual APR will vary based on borrower’s credit worthiness and underwriting factors. APR is lowest rate offered as of 10/1/25.
New (2024 & Newer) 60 month term payment example: Based on a loan amount of $10,000 for 60 months at 5.89% APR a monthly payment would be approximately $193.25 per month.
New (2024 & Newer) 72 month term payment example: Based on a loan amount of $20,000 for 72 months at 6.09% APR a monthly payment would be approximately $333.08 per month.
New (2024 & Newer) 84 month term payment example: Based on a loan amount of $30,000 for 84 months at 7.29% APR a monthly payment would be approximately $458.32 per month.
- People with auto loans at other financial institutions. Existing Everwise auto loans are not eligible for refinancing with Everwise.
- Indiana and Michigan residents
- Borrowers paying a higher APR than today’s rates or those whose credit has improved.
The following documents will likely be required:
- Vehicle registration
- Valid driver’s license
- Proof of active auto insurance policy
- Make, model, year, and VIN number
- Payoff letter from your current lender
Many decisions are quick. Funding typically occurs within a few business days after all required documents are received and your current lender payoff is processed. Approval is based on credit score, loan-to-value ratio, debt-to-income ratio, vehicle type, and mileage.
Auto loan refinance not intended for purchase transactions, only refinancing of auto loans. Everwise will not refinance Everwise auto loans under this special promotion.
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